Independent Agent Advantage

We understand you have lots of choices when it comes to buying insurance.

Johnson & Rohan Insurance Advantage:

Johnson & Rohan Advantage

We understand you have lots of choices when it comes to buying insurance.

Johnson & Rohan Insurance Advantage:

  • We assist you at claim time
  • We rate with 7 auto insurance companies. This allows us to find the lowest premiums and best insurance programs.
  • We’re not beholden to any one company; thus, you don’t need to change agents as your insurance and service needs change.
  • We are your personal insurance consultant, working with you as you determine your needs.
  • We offer one-stop shopping for a full range of products including: home, renters, condo, auto, business, life and health insurance.
  • We periodically help you review your coverage to keep up with your changing insurance needs.
  • When billing questions or issues arise, we are here to assist you.
  • We treat you like a person, not just another number.
  • We assist with the Registry of Motor Vehicles.
  • Serving you is important to us, both as a business and as a family.

Thank you for insuring with Johnson & Rohan.

We appreciate your business.

Have You Thought About Umbrella Coverage?

A Personal Liability Umbrella Policy “sits-over” your home and auto liability limits.

Coverage starts at $1,000,000 and provides protection from lawsuits …

Umbrella Coverage

A Personal Liability Umbrella Policy “sits-over” your home and auto liability limits.

Coverage starts at $1,000,000 and provides protection from lawsuits.

Coverage is relatively inexpensive to purchase.

For $1,000,000 of Personal Liability Umbrella Coverage sitting over two autos and one home, the annual premium should be somewhere around: $180.

Umbrella Policies require underlying auto insurance limits of $250,000 per person/$500,000 per accident and $100,000 of property damage coverage.

In addition to coverage limits, the insurance company provides legal defense.

So, in essence, when you purchase higher limits you also purchase improved legal defense.

Please call or click Johnson & Rohan Insurance if you would like to discuss Personal Liability Umbrella Coverage.

J&R Insurance Quote of the Day

“Live in each season as it passes; breathe the air, drink the drink, taste the fruit, and resign yourself to the influences of each.”

-Henry David Thoreau

J&R Insurance Quote of the Day

Live in each season as it passes; breathe the air, drink the drink, taste the fruit, and resign yourself to the influences of each.

-Henry David Thoreau

Did You Know?

Johnson & Rohan Insurance is on facebook?
Thank you for “liking” us … we like you too!

facebooklogo

Did you know WE’RE on facebook?

Not only are we on facebook but we have 191 likes!

191 might not seem like much compared to your son’s or daughter’s thousands of facebook friends, but for Johnson & Rohan Insurance each “like” represents quite an accomplishment.

For us, it’s the beginning of an insurance conversation.

The internet has given our insurance agency the ability to rate with numerous companies instantly and shop to find you the best discount and insurance programs.

We advocate for our clients at claim time and help with all billing problems.

We’d like to take this moment to thank all 191 of you that “like” Johnson & Rohan Insurance.

We like you too!

 

 

 

Inspection Sticker Reminder

Did You Know? The state’s driving record surcharge penalty for a lapsed inspection sticker is the same as the surcharge penalty for a speeding ticket …

MA inspection sticker

Did You Know? The state’s driving record surcharge penalty for a lapsed inspection sticker is the same as the surcharge penalty for a speeding ticket.

So, take a look at your inspection sticker. It might save you more than the cost of a ticket!

Please call us if you have any questions. We have access to Registry of Motor Vehicle’s inspection data.

Life Insurance Reminder

Life Insurance might be the most generous, least selfish gift a person can leave their surviving loved ones …

life insurance reminder

Life Insurance might be the most generous, least selfish gift a person can leave their surviving loved ones.

Term life insurance rates are extremely low right now.

If you have a term life insurance policy already in effect, you may want to re-apply.

If you can get in a more preferred category, extend your policy term, and pay less money, then it may be worth the effort (application & medical exam etc.) to re-apply.

Please call or click us to discuss.

How Much Liability Coverage Should I Carry?

There is no precise, scientific answer nor is there a reliable “rule of thumb.”

Liability coverage isn’t purchased for the average rather for the catastrophic-type loss that could jeopardize one’s personal assets …

Johnson & Rohan Lynnfield MA

There is no precise, scientific answer nor is there a reliable “rule of thumb.”

Liability coverage isn’t purchased for the average rather for the catastrophic-type loss that could jeopardize one’s personal assets.

Has your net worth increased over the past 5 years and have you increased your personal liability coverage to reflect this increase?

In response to increasing net worth many of our clients have purchased personal liability umbrella coverage.

Umbrella coverage sits over the liability protection on their personal autos and homes and is relatively inexpensive.

Massachusetts Junior Operator Law

Getting your driver’s license is an exciting, and sometimes scary, event for the new driver and the new driver’s family.

Massachusetts has a strict Junior Operator Law for new drivers …

MA Junior Operat Law

Getting your driver’s license is an exciting, and sometimes scary, event for the new driver and the new driver’s family.

Operating a motor vehicle is serious business and the Commonwealth of Massachusetts has a strict Junior Operator Law for new drivers.

As a refresher course:

Any motor vehicle operator or motorcyclist between the ages of 16 1/2 and 18 is considered a Junior Operator. The Junior Operator Law has several requirements and restrictions that significantly affect the operation of a motor vehicle by a person who has a Junior Operator’s License (JOL). The basic purpose of the law is to provide new drivers supervised opportunities in which to develop good driving skills, while keeping those drivers free of the possible distractions caused by friends under age 18 who are present while the drivers are behind the wheel.

Following, from the MA Registry of Motor Vehicles Driver’s Manual, we offer Massachusetts Junior Operator License Restrictions:

  • You may not operate a motor vehicle within the first six months after receiving your JOL while any person under age 18 is in the vehicle (other than you or an immediate family member), unless you are accompanied by a person who is at least 21 years old, has at least one year of driving experience, holds a valid driver’s license form Massachusetts or another state and is occupying a seat beside you.

General Rule: The passenger restriction that applies to the Junior Operator (Under age 18) is lifted once the Junior Operator completes the six-month period or you reach age 18, whichever occurs first.

The six-month passenger restriction period will stop running, temporarily, during any suspension. When your JOL is reinstated, you will still have to complete the remainder of the six-month restriction period that existed at the beginning of the suspension period, unless you have already turned 18.

  • As the holder of a Junior Operator License (JOL), you may not operate a motor vehicle between 12:30 a.m and 5:00 a.m. unless you are accompanied by one of your parents or your legal guardian. If you are found operating a motor vehicle in violation of this restriction, you may be charged with operating a motor vehicle without being licensed. This is a criminal violation.
  • If you violate the passenger restiction or the night restriction, you will be subject to a license suspension of 60 dyas for a first offense, 180 days for a second offense, and one year for subsequent offenses. For a second or subsequent offense, you will also be required to complete a Driver Attitudinal Retraining course. The law requires the Registrar to impose this suspension in addition to any other penalty, fine, suspension, revocation, or requirement that may be imposed in connection with a violation committed at the time you were violating the passenger or night restriction.
  • You may not operate a motor vehicle that requires a commercial driver’s license (CDL).
  • You will be suspended for one year if you are udner 18 when you have committed certain driving offenses and alcolhol or drugs were involved (180 days if age 18 to 21), in addition to any penalty assessed by a court or other law.
  • You will be ineligible for a full license until you have completed the period of suspension imposed while operating with a JOL and you reach age 18.
  • You will face additional suspension periods of one year for a first drag racing offense and three years for a subsequent offense, you will be suspended for one year.

Call or click us at Johnson & Rohan Insurance if you would like more information on Massachusetts insurance or the Massachusetts Junior Operator Law.

 

 

 

Laughter can be the best medicine

The price is right and it’s free! It’s a great, big laugh …

Laughter is the Best Medicine

The price is right and it’s free! It’s a great, big laugh.

Researchers at Stanford University say that laughter can be strong medicine. The physical act itself increases blood flow and contracts abdominal muscles.

The most significant evidence of laughter’s power comes from a study of heart attack patients. Half of the study group watched comedy shows for 30 minutes every day. The other half didn’t. After a year, the laughers had one-fifth the number of repeat heart attacks that the control group had.

Doctors at the University California, Irvine, say watching a humorous video decreased levels of two key stress hormones that can cause irregular heart rhythms. Heart disease patients are often given beta-blocking drugs that specifically block these hormones. The doctors say laughter does the sane thing and is a lot more fun.

In other studies, laughter has been shown to help children and adults handle painful medical procedures.

Johnson & Rohan